Residential Hurricane Claim

$160,000 Recovery for Cape Coral Hurricane Ian Claim

The Problem

Our clients, a law enforcement family in Cape Coral, Florida, suffered catastrophic damage to their home when Hurricane Ian passed directly over their property.

Despite filing a timely claim, the insurance company issued only $7,051.77 within a week, and then a so-called “final payment” of $11,771.34 three months later — a combined payout far below the $180,000+ needed to restore the home.

Our Approach

Jimenez Legal was retained to challenge the insurance company’s gross underpayment. Our attorneys:

• Filed bad faith allegations with the State of Florida, putting the insurer under regulatory pressure
• Filed a lawsuit seeking full recovery of repair costs and proper indemnification under the policy
• Compiled expert damage assessments and evidence showing the insurer’s undervaluation
• Pressed the case aggressively through litigation, forcing the insurer to confront the risk of trial

The Result

Within just eight months, our firm secured an additional $160,000 recovery for our clients — bringing them close to their full claim value and enabling them to restore their home after the devastating storm.

Key Takeaway

Hurricane victims don’t have to accept inadequate or “final” payments from insurers. With skilled legal representation, homeowners can recover the true value of their loss — and hold insurers accountable for bad faith handling practices.